COMMUNITY BANKING PROBLEMS AND PROSPECTS

(A CASSE STUDY OF EKULU COMMUNITY BANK IN ENUGU STATE)

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THE NATURE AND CONSEQUENCES OF JUVENILE DELINQUENCY IN NIGERIA: A STUDY OF ENUGU NORTH LGA, ENUGU STATE

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CHAPTER ONE:

1.1 INTRODUCTION

1.2 STATEMENT OF THE PROBLEM

1.3 OBJECTIVE OF STUDY

1.4 SIGNIFICANCE OF STUDY

1.5 STATEMENT OF THE HYPOTHESIS

1.6 SCOPE OF THE STUDY

1.7 SCOPE OF THE STUDY

1.8 DEFINITIONS OF TERMS

CHAPTER TWO:

2.1 REVIEW OF THE RELATED LITERATURE

2.2 CONCEPT OF THE COMMUNITY BANK

2.3 COMMUNITIES BANKING IN NIGERIA

2.4 GOVERNMENT POLICY ON COMMUNITY BANKING

2.5 PHASE O RURAL BANKING

2.6PROBLEMS OF COMMUNITY BANKING

2.7 ACHIEVEMENT OF COMMUNITY BANKING

 

CHAPTER THREE

3.1 RESEARCH DESIGN AND METHODOLOGY

3.2 SOURCE OF DATA

3.3 PRIMARY

3.4 SECONDARY DATA

3.5 SAMPLE USED

3.6 METHOD OF INVESTIGATION

 

 

CHAPTER FOUR

4.1 DATA ANALYSIS AND INTERPRETATION

4.2 DATA PRESENTATION AND ANALYSIS

4.3 TEST OF HYPOTHESIS

 

CHAPTER FIVE

SUMMARY, FINDINGS, CONCLUSION AND RECOMMENDATION

5.1 SUMMARY OF THE FINDINGS

5.2 CONCLUSION

5.3 RECOMMENDATION

 

BIBLIOGRAPHY

APPENDIX / QUESTIONNAIRE

 

 

 

 

 

ABSTRACT

 

This project is poised at x-raying the degree of the role of financial management in a co-operate organization making reference to union bank (Plc) Enugu. Financial management activity is concern with the raising of capital planning cash and credit control including the effective control of financial resources. Some thought were giving to financial activity to provide planning, control and execution of financial activity. The practice management are interest in this subject because among the most crucial decision of he firm are those which relates to the finance and therefore need to understand the financial management which provide them with conceptual and analytical insight to make these decision. The financial must take step to ensure that fund will be actually available and committed to the firm. The financial manager is usually responsible of he gathering and analyzing of the relevant information, making forecast of the profit level to estimate profit from the future sale, the firm must be aware of the current cost and the most likely changes in the ability of the firm to sale its product as planned.

 

The financial manager must measure the requirement return of its capital investment by answering this questions; dose the level of return offer adequate justify and that Of risk therein? H e is required to know the rate of return that is expected from the proposal before it is accepted. The financial personnel meet with other officer of the form and anticipate in making decision affecting the current and future utilization of the fund resource. The manager will discuses the total amount of asset needed by the firm to carry out its operation and determine the decomposition on need. They identify ways to use the existing asset mostly effectively and thereby reducing waste and needed expense. The decision making role cause liquidity and profitability

The role of financial management in managing the funds available o the firm. The fund include cash held by the firm, money borrowed and money gained from the

Purchase of common stock and preferred stock. The financial management is responsible for having sufficient for the firm to conduct its business and pay its bill and a lot of money to finance the receivable and invention making arrangement for the purchase of asset and identify sources of long term financing, in fact this study is aimed at the information on the role of financial manager in any organization to foster his performance  in the following .

Forecasting on the financial planning and control financial analysis . Working credit capital. Stock cash receivable market and structure medium short and long term success of fund and evaluation of stock and cost of capital financing. Divided policy and techniques of r capital investment analysis.

 

This issue of whether this state role of the financial manager is executed or not in case to be investigated by the research is in the following perspective,

• Budgeting and financial analysis
• Management of short, medium and long term financing
• Financial ratio and planning
• Managing and financial structure

 

The researcher will analysis the financial concept using the annalistically tools and techniques obtained from the organization answer receive from the questionnaire to unfold the financial managers decision on financial matters.

 

It hope that the project will attained the standard required by all the examining bodies and also satisfy the curiosity of the general leading public who may have the desire to become acquainted.

CHAPTER ONE

 

INTRODUCTION

OVERVIEW OF THE STUDY

In Nigeria, it can be said that the activity of the stabilize banking in the rural area is such that the branches were beguiled by the rules, traditions and policies of the headquarters. But relative to the commercial bank, community bank were opened in the rural area to meet the financial needs of the occupants by mobilizing their resources into current and saving account. This in turn within the resources of the banking institution can concerned with the cr3eatrion of credit for the rural dwellers for the purpose of increasing their production activity either as individual or a group of industrialist, farmers or o-operative society, the Nigeria banking system, its operation, location service in pre – 1977 were concentrated in the urban areas of the country and this brought the concentration of economic activity on the urban areas at the detriment of the rural communities. However, the reason for establishing banks in the rural area was because of lack infrastructures facilities in the rural areas, low level of economic activity. The colonial policy of establishing banks in the urban areas where economic activity has been in existence, the preference of the bank worker to work in the urban areas where faculty and comfortable living are available. In the attempt to correct the abnormal banking system, the (CBN) central bank of Nigeria in 1978 introduced the rural banking scheme (the Nigeria 1987 by Herbte O. Orji 1979) the first bank to establish its bank branches in he rural area, that have potential capability for contribution to the Nigerians economic development. It involves the establishments of new bank branches of new and existing bank in the rural areas of the country and the provision of the banking service to the rural communities that has developed and show rural characteristics.

By this the central bank of Nigeria will have to determine the situation where the rural community which have a population of at least not less than (500) five hundred people and an establish economic and social institution such local industries adequate on the local market, hospitals, schools and other private and government institution.

 

 

 

The scheme was phased into four;

The first phase was to establish 200 banks between 1977 and 1980. However the phase ended up in archiving only twelve braches

 

C.B.N bulletined January/ march 1987, Page. 29

The second phase which stated in 1981 with 266 bank branches to be opened but 258 chess bank were actually spend during that period. The third phase also commence in 1954 with the total branches of 300 to be opened. The number of the commercial bank branches opened in 1988 under this phase of the programme increase from 72 to 144. Also during this period under the review one more branched were opened on the second phase bridging the number to 258. Consequently the total number of banks establishes under the rural banking programme raise from 72 to 602 in 1988. Similarly the number of urban bank increases by 124 in 1988 bringing the number of the total branches to 1101. The fourth phase of rural banking is about to set in motion but ther4 has been nice tiding of the implementation.

According to business time Monday 9^th April (1990) the united bank of Africa has made a proposal for the scrap [ping of the fourth phase of the rural banking programme of the government, instead they adopted for the establishment of more urban banks branches which has a little promise of more economic development. The augment on the line is the rural banking scheme program to support bankable project, economic project and economic activity whereas the banking in urban still has a lot of untapped resources that can be mobilized through a deliberate programme of increased urbane banking braches.

The managing director U.B.A Allahaji Sulaiman Baffa emphasis that bank has reach the limit’s in setting up the rural banking program only to discover that this prospect where lean and stretched far between. As a result of this community bank were established.

The community as a financial institution established to cater for the saving the credit need of the small-scale producers. The shareholders are normally the customers. They have a share capital of 250,000.00 and only one tenth of th